Hazelnutty's recover and rebuild plan for a happier, simpler life!

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  • Skint_yet_Again
    Skint_yet_Again Forumite Posts: 7,179
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    edited 18 September 2021 at 11:15AM
    @Hazelnutty I feel your pain 😫 I fell on the stairs carrying the hoover and broke my coccyx landing on the edge of a step 🤦‍♀️ I wonder how high on the list of accidents falling on the stairs comes.  Hope your pain eases soon 

    edit - according to rospa “The most serious accidents involving older people usually happen on the stairs or in the kitchen.” Lol I’m only 53 but I have the body of an 80 year old  😬 
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE House sale costs EPC £55 Solicitor insurance £90. Solicitor fees £1290 OCT 2022 = NOW MORTGAGE FREE 🤗 House purchase costs = house 1 May 2022 fell through after seller had a stroke. Solicitor Insurance £90 Searches £300. House 2 offer fell through structural problems / damp on survey. Solicitor insurance £90 Searches £300. Survey £375. House 3 offer Oct 22 survey £540. Solicitor insurance £90. Mining survey £60 Searches £300. Damp report £150. Builders report/ quote £100. chaps transfer £23. Solicitor fee £2000.15. FEB 2023 = NOW COMPLETED 🥳🍾Debt free & mortgage free & no longer working, now living off the equity
  • Hazelnutty
    Hazelnutty Forumite Posts: 706
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    @Skint_yet_Again Oooh that sounds nasty. Are you OK now? I hear you - funny how once we get to a certain age we 'have a fall' rather than simply 'falling over'! Now it's a few days in, the bruise looks horrific (we've got wooden stairs so nothing to cushion the impact except my sizeable behind!) but the pain has eased, which is the right way round. I hate that when you first have a tumble it hurts like hell but looks like nothing. 
    Choose kind:)
  • Hazelnutty
    Hazelnutty Forumite Posts: 706
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    beanielou said:
    Arnica is your friend. 
    Cream, capsules, spray, shower gel...........
    Thanks for the reminder! Located a tube of arnica cream and it's made a massive difference :smile:  
    Choose kind:)
  • Hazelnutty
    Hazelnutty Forumite Posts: 706
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    heidiiii said:
    best of luck with your plan, seems like a good one
    Thanks @heidiiii I hope so. I haven't had an email from the new CC company yet to confirm the offer so am just hoping it's all ok and the card will arrive in the post *fingers crossed* as it wouldn't be good to apply for more credit.
    Choose kind:)
  • Skint_yet_Again
    Skint_yet_Again Forumite Posts: 7,179
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    Thanks for asking I’m still having a few problems and I am waiting for physio. Still using a coccyx cushion for my work chair and worse still leaking a bit having to use Tena 😕 

    Hope the arnica works for you and new CC comes through soon 
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE House sale costs EPC £55 Solicitor insurance £90. Solicitor fees £1290 OCT 2022 = NOW MORTGAGE FREE 🤗 House purchase costs = house 1 May 2022 fell through after seller had a stroke. Solicitor Insurance £90 Searches £300. House 2 offer fell through structural problems / damp on survey. Solicitor insurance £90 Searches £300. Survey £375. House 3 offer Oct 22 survey £540. Solicitor insurance £90. Mining survey £60 Searches £300. Damp report £150. Builders report/ quote £100. chaps transfer £23. Solicitor fee £2000.15. FEB 2023 = NOW COMPLETED 🥳🍾Debt free & mortgage free & no longer working, now living off the equity
  • Hazelnutty
    Hazelnutty Forumite Posts: 706
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    I posted a reply to you @Skint_yet_Again but it's vanished :confused: Sorry to hear about your situation and hope the physio comes through soon. I fell downstairs the other day (luckily just badly bruised behind) and lower back/hip pain is the worst, there's no position you can sit, stand or sleep in! The bruising means I'm having to suspend my physio as there's no way I'm letting him dig his elbow into my glutes :flushed: Anyway, I really hope you get the support you need.

    Bad news on the CC. I didn't realise the new CC company was part of the same banking group as the old CC company - they've refused the BT :unamused: So I've had to cancel the new card. I'm guessing I'll have to leave it a month or so so it doesn't look like that line of credit is open on my file?
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  • Hazelnutty
    Hazelnutty Forumite Posts: 706
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    So payday next Tuesday and only one DD (Save the Arts campaign) to come out. I'm £42 'up' on my current account, so that would normally go into the pot for next month to be allocated but I may just clear the next half-square (£30) off the CC. I still want to BT it but knocking a little chip off the balance is always satisfying.

    I must must must get to grips with selling some stuff - I've been putting off tackling the small number of higher-end things I have from a previous, more financiall comfortable life (when double income with XH). It's really stressing me out as so many conflicting reviews of different consignment stores for the handbags. I've tried approaching an auction house for some local historical prints I have to sell but they didn't meet their minimum value (but are enough to try to sell somewhere i.e. £80-150). I also have some old coins and notes inherited from my grandma I could do with moving on - they don't hold any memories and are just in storage in the loft. My job's quite intensive mentally so by the weekend I just put off sorting it out as I feel so tired. Anyway, looks like a quiet weekend so may just tackle them. I also am feeling the decluttering itch as bedroom and office have got a little out of control with bits and bobs everywhere.  
    Choose kind:)
  • beanielou
    beanielou Forumite, Ambassador Posts: 86,447
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    Why dont you just concentrate on one thing every couple of weeks.
    Handbags or coins first?
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing [email protected]. All views are my own & not the official line of Money Saving Expert.Lou~ Debt free Wanabe No 55 DF 03/03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free February 2021**** "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.***Fall down seven times,stand up eight*** ~~Japanese proverb.It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***Weight loss. ** 2 stone 7 lbs.***
  • Hazelnutty
    Hazelnutty Forumite Posts: 706
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    Thanks @beanielou you're right, one bite at a time! And I've taken my first nibble - listing on the Bay of E for the first time in years, just two pen boxes but one is a 'label' so may give me a decent return to squirrel away/clear off the CC. Listing is so different from when I last sold - really simple and most of the fields pre-filled. From all the sotries on the Bay Board, it seems as if it's tilted too far towards buyers, which is why I hadn't taken this step before, but I figure for these smaller items I'm not looking for a massive return so if all goes wrong it won't be too upsetting.

    I've decided to keep a list of items decluttered/sold/donated so I can keep track of and celebrate the process. I did an item a day for 3 months challenge earlier this year and ended up shifting over 300 things rather than 90 :joy: I love decluttering tbh. As an introvert I find life a lot calmer and less stressful if home is relatively uncluttered and spacious. I don't mean neat freak (I'm definitely not that lol) but just in reasonble order and not too crowded. If I can raise some money in the process so much the better. I worked out earlier that if I make a £60 payments off the CC to tidy up underspend and then my regular, newly increased DD on 5th, the outstanding balance will be under £5000 :smiley: 

    Anyway, OH is really tired so we've got jammies on, cuppas made, watching Endeavour. Whatever you're doing, happy Friday evening :heart:
    Choose kind:)
  • beanielou
    beanielou Forumite, Ambassador Posts: 86,447
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    To be under 5k will be fantastic :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing [email protected]. All views are my own & not the official line of Money Saving Expert.Lou~ Debt free Wanabe No 55 DF 03/03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free February 2021**** "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.***Fall down seven times,stand up eight*** ~~Japanese proverb.It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***Weight loss. ** 2 stone 7 lbs.***
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